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No matter what company is backing your loan, you'll make your payments to the address listed on your bill. You don't need to worry about it too much, as long as you pay the required amount by the due date. Most credit cards let you make payments online, and you can set up automatic payments so you don't have to remember to pay your bill each month. The convenience of online banking means you won't miss a payment due date, and you won't have to address an envelope or lick a stamp. You can also set up automatic payment reminders, if you don't want your payment taken directly out each month. This way, you’ll get a text or an email a week or so before your payment is due, so you have time to make the arrangements for payment.